I have the following cards Patelco $8000 - $7800 balance @ 8.9% Chase PerfectCard $4000 - $3500 balance @ 0% until February Capitol One $1600 - $0 balance @ 15% Bank of America $5000 - $0 balance @ 4.9% until February I would like to get one more card to have around for emergencies...I'm not planning on using it for more than $50 a month, just to keep it active and in good standing. Just like with the BofA and Capitol One cards. I was thinking about MBNA, AMEX Blue or one of the 2 banks I use (National City and Fifth Third). Does anyone have experience with getting a CC from NCB or 5/3?